Bardstown VA Loan Rates, Closing Costs & Stats

Bardstown, KY

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Bardstown's 32 lenders originated 78 VA loans during 2023. The total origination value was $21,630,000, with an average VA loan value of $277,308.

    Bardstown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bardstown averaged 0.41% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Bardstown's average VA mortgage closing costs are $5,787.

    The average rate for the prior week (2024-11-08) was 6.32% and one month ago for the week of 2024-10-11, the average rate was 5.89%.

    The average rate one year ago was 7.48%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Bardstown VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Bardstown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 12 6.56% $4,274
    QUICKEN LOANS, LLC 8 6.46% $13,351
    Northpointe Bank 6 6.21% $11,921
    NAVY FEDERAL CREDIT UNION 4 5.97% $11,848
    LOANDEPOT.COM, LLC 3 7.00% $12,245
    PENNYMAC LOAN SERVICES, LLC 3 6.63% $10,772
    Magnolia Bank 3 6.75% $9,323
    SOUTH CENTRAL BANK, INC. 3 6.92% $4,607
    STOCKTON MORTGAGE CORPORATION 3 6.58% $7,150
    INTERLINC MORTGAGE SERVICES, LLC 2 6.13% $5,688
    Stock Yards Bank & Trust Company 2 6.31% $12,598
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.25% $6,895
    HOMESIDE FINANCIAL, LLC 2 6.44% $7,823
    UNITED WHOLESALE MORTGAGE, LLC 2 6.50% $6,495
    USAA Federal Savings Bank 2 7.06% $5,360
    RUOFF MORTGAGE COMPANY, INC. 2 6.88% $3,134
    PLAZA HOME MORTGAGE, INC. 2 6.44% $5,995
    NEW DAY FINANCIAL, LLC 1 7.75% $15,663
    CALCON MUTUAL MORTGAGE LLC 1 6.63% $5,414
    Century Mortgage Company DBA Century Lending Company 1 7.25% $5,488
    Citizens Bank 1 6.00% $10,527
    ENVOY MORTGAGE, LTD 1 6.75% $6,851
    FIRST COMMUNITY MORTGAGE, INC. 1 5.75% $10,721
    FREEDOM MORTGAGE CORPORATION 1 7.50% $10,568
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $5,278
    MOVEMENT MORTGAGE, LLC 1 7.25% $9,289
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $7,187
    NEWREZ LLC 1 7.25% $18,265
    PENTAGON FEDERAL CREDIT UNION 1 5.25% $2,381
    Plains Commerce Bank 1 6.25% $7,080
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.50% $5,730
    Truist 1 6.13% $2,493

    The top Bardstown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 12 VA loans originated. Their average total fees are $4,274, which is $9,077 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Bardstown VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,274), .

    The lowest rate Bardstown VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.56%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $185,000 (6.4%) $218,108 (0.0%) 0.00 154
    2018-02-01 $183,900 (7.4%) $213,216 (-0.7%) 0.00 156
    2018-03-01 $199,900 (12.7%) $235,839 (6.2%) 0.00 140
    2018-04-01 $199,923 (7.5%) $238,378 (0.5%) 0.00 143
    2018-05-01 $199,900 (5.5%) $242,985 (6.0%) 0.00 142
    2018-06-01 $205,000 (13.9%) $248,361 (7.9%) 0.00 159
    2018-07-01 $216,200 (5.5%) $249,654 (7.9%) 0.00 159
    2018-08-01 $219,900 (10.2%) $254,819 (15.1%) 0.00 165
    2018-09-01 $217,450 (7.4%) $241,761 (8.8%) 0.00 163
    2018-10-01 $194,825 (1.2%) $232,945 (3.1%) 0.00 168
    2018-11-01 $184,950 (-0.9%) $230,306 (0.9%) 0.00 171
    2018-12-01 $179,900 (-3.8%) $224,743 (-0.8%) 0.00 173
    2019-01-01 $182,325 (-1.5%) $223,496 (2.5%) 0.00 180
    2019-02-01 $195,650 (6.4%) $240,171 (12.6%) 0.00 167
    2019-03-01 $204,329 (2.2%) $246,556 (4.5%) 0.00 158
    2019-04-01 $204,829 (2.5%) $248,298 (4.2%) 0.00 154
    2019-05-01 $215,925 (8.0%) $252,700 (4.0%) 0.00 154
    2019-06-01 $214,500 (4.6%) $247,552 (-0.3%) 0.00 172
    2019-07-01 $208,950 (-3.4%) $241,916 (-3.1%) 0.00 171
    2019-08-01 $203,209 (-7.6%) $230,690 (-9.5%) 0.00 173
    2019-09-01 $190,098 (-12.6%) $220,780 (-8.7%) 0.00 173
    2019-10-01 $179,975 (-7.6%) $217,999 (-6.4%) 0.00 176
    2019-11-01 $179,900 (-2.7%) $229,262 (-0.5%) 0.00 178
    2019-12-01 $172,900 (-3.9%) $223,165 (-0.7%) 0.00 167
    2020-01-01 $174,950 (-4.0%) $223,081 (-0.2%) 0.00 151
    2020-02-01 $175,950 (-10.1%) $233,365 (-2.8%) 0.00 126
    2020-03-01 $182,625 (-10.6%) $236,968 (-3.9%) 0.00 130
    2020-04-01 $196,250 (-4.2%) $243,648 (-1.9%) 0.00 121
    2020-05-01 $221,050 (2.4%) $253,062 (0.1%) 0.00 109
    2020-06-01 $235,000 (9.6%) $276,388 (11.7%) 0.00 96
    2020-07-01 $262,175 (25.5%) $292,252 (20.8%) 0.00 79
    2020-08-01 $279,000 (37.3%) $301,157 (30.6%) 0.00 71
    2020-09-01 $267,925 (40.9%) $317,529 (43.8%) 0.00 72
    2020-10-01 $264,225 (46.8%) $308,883 (41.7%) 0.00 80
    2020-11-01 $245,000 (36.2%) $278,864 (21.6%) 0.00 88
    2020-12-01 $244,925 (41.7%) $272,331 (22.0%) 0.00 84
    2021-01-01 $239,000 (36.6%) $264,290 (18.5%) 0.00 75
    2021-02-01 $239,900 (36.4%) $273,775 (17.3%) 0.00 49
    2021-03-01 $235,550 (29.0%) $307,844 (29.9%) 0.00 39
    2021-04-01 $228,200 (16.3%) $377,638 (55.0%) 0.00 36
    2021-05-01 $292,500 (32.3%) $461,132 (82.2%) 0.00 31
    2021-06-01 $270,950 (15.3%) $378,177 (36.8%) 0.00 49
    2021-07-01 $285,000 (8.7%) $374,791 (28.2%) 0.00 63
    2021-08-01 $258,175 (-7.5%) $327,870 (8.9%) 0.00 86
    2021-09-01 $272,400 (1.7%) $345,269 (8.7%) 0.00 87
    2021-10-01 $269,950 (2.2%) $334,001 (8.1%) 0.00 91
    2021-11-01 $272,475 (11.2%) $335,734 (20.4%) 0.00 94
    2021-12-01 $267,475 (9.2%) $341,466 (25.4%) 0.00 83
    2022-01-01 $299,900 (25.5%) $364,973 (38.1%) 0.00 69
    2022-02-01 $289,975 (20.9%) $351,132 (28.3%) 0.00 58
    2022-03-01 $309,838 (31.5%) $364,567 (18.4%) 0.00 54
    2022-04-01 $349,900 (53.3%) $386,651 (2.4%) 0.00 53
    2022-05-01 $299,950 (2.6%) $358,312 (-22.3%) 0.00 83
    2022-06-01 $289,950 (7.0%) $334,909 (-11.4%) 0.00 98
    2022-07-01 $289,950 (1.7%) $317,690 (-15.2%) 0.00 134
    2022-08-01 $287,425 (11.3%) $319,366 (-2.6%) 0.00 152
    2022-09-01 $293,700 (7.8%) $322,986 (-6.5%) 0.00 152
    2022-10-01 $289,000 (7.1%) $316,637 (-5.2%) 0.00 171
    2022-11-01 $284,950 (4.6%) $307,077 (-8.5%) 0.00 169
    2022-12-01 $284,950 (6.5%) $306,204 (-10.3%) 0.00 142
    2023-01-01 $291,200 (-2.9%) $328,656 (-10.0%) 0.00 125
    2023-02-01 $289,938 (0.0%) $326,933 (-6.9%) 0.00 116
    2023-03-01 $289,938 (-6.4%) $321,845 (-11.7%) 0.00 112
    2023-04-01 $285,425 (-18.4%) $325,561 (-15.8%) 0.00 101
    2023-05-01 $289,950 (-3.3%) $351,470 (-1.9%) 0.00 110
    2023-06-01 $289,950 (0.0%) $338,478 (1.1%) 0.00 120
    2023-07-01 $289,950 (0.0%) $336,983 (6.1%) 0.00 98
    2023-08-01 $297,450 (3.5%) $328,319 (2.8%) 0.00 105
    2023-09-01 $314,900 (7.2%) $338,991 (5.0%) 0.00 114
    2023-10-01 $324,963 (12.4%) $345,992 (9.3%) 0.00 126
    2023-11-01 $309,988 (8.8%) $342,425 (11.5%) 0.00 132
    2023-12-01 $305,000 (7.0%) $357,400 (16.7%) 0.00 145
    2024-01-01 $308,675 (6.0%) $362,872 (10.4%) 0.00 132
    2024-02-01 $306,175 (5.6%) $364,932 (11.6%) 0.00 134
    2024-03-01 $314,900 (8.6%) $348,803 (8.4%) 0.00 116
    2024-04-01 $313,675 (9.9%) $350,058 (7.5%) 0.00 119
    2024-05-01 $299,900 (3.4%) $349,085 (-0.7%) 0.00 133
    2024-06-01 $299,900 (3.4%) $342,546 (1.2%) 0.00 131
    2024-07-01 $294,925 (1.7%) $342,022 (1.5%) 0.00 143
    2024-08-01 $299,900 (0.8%) $356,803 (8.7%) 0.00 158
    2024-09-01 $299,900 (-4.8%) $365,932 (8.0%) 0.00 153
    2024-10-01 $299,900 (-7.7%) $365,818 (5.7%) 0.00 149
    Bardstown's median listing price for 2024-10-01 was $299,900, a difference of $-25,063 (-7.7%) versus the prior year and $0 versus the prior month.

    Bardstown's median listing price comes in at 0% of the national average.

    Bardstown's average listing price for 2024-10-01 was $365,818, a difference of $19,826 (5.7%) versus the prior year and $-114 versus the prior month.

    For the 2024-10-01 period, Bardstown had 149 MLS listings, a difference of -4 listings (-3%) versus the prior month and 23 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,677 sqft
    2018-03-01 0 days 1,760 sqft
    2018-04-01 0 days 1,787 sqft
    2018-05-01 0 days 1,751 sqft
    2018-06-01 0 days 1,792 sqft
    2018-07-01 0 days 1,927 sqft
    2018-08-01 0 days 1,934 sqft
    2018-09-01 0 days 1,795 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,637 sqft
    2018-12-01 0 days 1,558 sqft
    2019-01-01 0 days 1,550 sqft
    2019-02-01 0 days 1,669 sqft
    2019-03-01 0 days 1,689 sqft
    2019-04-01 0 days 1,683 sqft
    2019-05-01 0 days 1,785 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,797 sqft
    2019-08-01 0 days 1,686 sqft
    2019-09-01 0 days 1,536 sqft
    2019-10-01 0 days 1,442 sqft
    2019-11-01 0 days 1,478 sqft
    2019-12-01 0 days 1,400 sqft
    2020-01-01 0 days 1,400 sqft
    2020-02-01 0 days 1,500 sqft
    2020-03-01 0 days 1,620 sqft
    2020-04-01 0 days 1,651 sqft
    2020-05-01 0 days 1,745 sqft
    2020-06-01 0 days 1,794 sqft
    2020-07-01 0 days 1,864 sqft
    2020-08-01 0 days 1,869 sqft
    2020-09-01 0 days 1,900 sqft
    2020-10-01 0 days 1,748 sqft
    2020-11-01 0 days 1,671 sqft
    2020-12-01 0 days 1,653 sqft
    2021-01-01 0 days 1,659 sqft
    2021-02-01 0 days 1,731 sqft
    2021-03-01 0 days 1,841 sqft
    2021-04-01 0 days 1,825 sqft
    2021-05-01 0 days 2,168 sqft
    2021-06-01 0 days 1,884 sqft
    2021-07-01 0 days 1,805 sqft
    2021-08-01 0 days 1,751 sqft
    2021-09-01 0 days 1,773 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,728 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,764 sqft
    2022-03-01 0 days 1,800 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,676 sqft
    2022-06-01 0 days 1,645 sqft
    2022-07-01 0 days 1,500 sqft
    2022-08-01 0 days 1,517 sqft
    2022-09-01 0 days 1,592 sqft
    2022-10-01 0 days 1,524 sqft
    2022-11-01 0 days 1,525 sqft
    2022-12-01 0 days 1,510 sqft
    2023-01-01 0 days 1,541 sqft
    2023-02-01 0 days 1,522 sqft
    2023-03-01 0 days 1,503 sqft
    2023-04-01 0 days 1,503 sqft
    2023-05-01 0 days 1,522 sqft
    2023-06-01 0 days 1,522 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,551 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,591 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,529 sqft
    2024-02-01 0 days 1,528 sqft
    2024-03-01 0 days 1,562 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,564 sqft
    2024-06-01 0 days 1,564 sqft
    2024-07-01 0 days 1,534 sqft
    2024-08-01 0 days 1,552 sqft
    2024-09-01 0 days 1,580 sqft
    2024-10-01 0 days 1,574 sqft
    Bardstown's median listing age (time on market) for 2024-10-01 was 0 days.

    Bardstown's median square footage for active listings during the 2024-10-01 period was 1,574 sqft. One year prior, the average listing was 1,652 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.